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SMEs
Defacto
Direct
Access instant working capital for business
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FLEXIBLE LOANS
Accounts payable
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Stock financing
Supplier discounts
Partners
Defacto
Connect
Easily embed lending your product
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FLEXIBLE OPTIONS
No-code referrals
White-labeled embedded API
Banks
Defacto
Core
Modern credit infrastructure for banks & factors
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Includes
Instant onboarding
Al-native scoring
Risk monitoring
Programmatic origination
Composable funding
Repayments
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